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Track Day Insurance

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Not everyone needs track day insurance and unfortunately for those that do, this can make it hard to get. Standard car insurance policies will exclude track day coverage meaning race enthusiasts will need to loo elsewhere for their insurance.

Why is track day insurance different to standard car insurance?

The average car insurance policy is simply meant to cover you for standard driving activities such as driving to work, taking you children to school or simply needing to get from A to B. Track insurance differs in the sense that it is specifically designed to cover drivers who will operating on the race track for the purpose of racing. The reason that two separate policies exist is simply because of the risk involved. Racing on a race track will naturally run a higher risk of damage than just driving on an everyday road.

How much is track day insurance?

This really depends on certain factors such as the following:

• The type of car you’ll be driving
• The number of track days you’ll be involved in
• Your age
• Your voluntary excess

These factors are not exhaustive however they should demonstrate why your quote may differ from someone else. Because of these factors being unique to you it is difficult to give an accurate estimate as to how much you’ll pay without taking out a quote.

Is track day insurance a requirement?

In short, no. However it is strongly recommended that you have it as most race day organisers will not cover you if your car is damaged during the race. Regardless of your experience level, you may find yourself in a pickle on a challenging track and having the right cover can be a life saver.

Many track organisers may even require you to have track day insurance in order to participate.

How can I save on my track day insurance?

There are a few things you can do to get the costs of your track day insurance down. Here is a list of the common ways in which racers save on their insurance costs.

• Agree to pay a higher excess – This will mean you’ll have a lower premium as you are essentially offering to pay a greater share of the damages should you need to make a claim.
• Have race track experience – Many insurers will offer a discount for drivers who have proven experience on the race track. This is because they will pose less of a risk than more green drivers.
• Take out an annual insurance policy – This can be cheaper than taking out multiple single day coverage policies.

Will I be covered off the race track?

This is very unlikely as your track day insurance is only designed to cover you for driving on the race track. You’ll need to rely on your standard car insurance policy to cover you for driving outside the race track. You’ll likely be driving a high performance car so a standard car insurance policy geared toward covering sports cars would be beneficial.

What does track day insurance cover?

This will always come down to what is stipulated in your policy as well as the amount of coverage you desire. For example if your policy is based on a full value basis, you’ll be able to claim for the full value of your vehicle if you are involved in an accident. Alternatively you can opt for an agreed value policy in which you’ll be covered for an amount agreed between you and the insurer. You should consider the risks involved to your vehicle on track day and what you are willing to pay to achieve a certain level of coverage. You should check if the insurer is able to cover your type of car such as a sports car, super car, modified eg.

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